##!/bin/bash
awk -F: '($1!~/(halt|sync|shutdown|nfsnobody)/ && $7!~/^(\/usr)?\/sbin\/nologin(\/)?$/ && $7!~/(\/usr)?\/bin\/false(\/)?$/) { print $1 " " $6 }' /etc/passwd | while read -r user dir; do
    if [ -d "$dir" ]; then
        for file in "$dir"/.*; do
            if [ ! -h "$file" ] && [ -f "$file" ]; then
                fileperm=$(stat -L -c "%A" "$file")
                if [ "$(echo "$fileperm" | cut -c6)" != "-" ] || [ "$(echo "$fileperm" | cut -c9)" != "-" ]; then
                    echo "User: \"$user\" file: \"$file\" has permissions: \"$fileperm\""
                fi
            fi
        done
    fi
done